Two-stage LightGBM model predicting expected liquidation on charged-off consumer loans. Reference implementation for BPO collections analytics.

API Docs Health Readiness Metrics
Cumulative gain chart — collection lift
Collection lift — cumulative recovery captured as top-scored accounts are worked
County unemployment walkthrough
County-level unemployment — public data lens for macro overlay
2-stage
LightGBM model (P × E)
2.78×
Top-decile lift
24 mo
Recovery curve horizon
XactServMLCaseStudy · MIT License